Balanced portfolio emphasizing US and global equities with a strong technology tilt

Report created on Jul 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio predominantly comprises equity ETFs, with a significant allocation towards US and international stocks, reflecting a balanced yet growth-oriented investment strategy. The allocation is split between the Vanguard S&P 500 ETF, Vanguard Total Stock Market Index Fund ETF Shares, Vanguard Total International Stock Index Fund ETF Shares, and Schwab U.S. Large-Cap Growth ETF. This composition suggests a strategy focused on capturing the broad market performance while slightly favoring large-cap growth stocks.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 12.19%, with a maximum drawdown of -33.86%. These figures indicate a resilient portfolio during market fluctuations, with the ability to recover and generate substantial returns over time. The performance, however, is tied to past market conditions, and it's crucial to remember that past success does not guarantee future results.

Projection Info

Monte Carlo simulations, projecting a wide range of potential outcomes based on historical data, suggest a median increase of 466.6% in portfolio value. While these projections provide a helpful risk assessment tool, they are based on historical market behaviors, which may not perfectly predict future movements. Diversification and regular portfolio reviews remain essential.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's 99% allocation to stocks, with a minor 1% in cash, positions it for growth but also exposes it to market volatility. This heavy equity focus is suitable for investors with a higher risk tolerance and a longer-term investment horizon, aiming for substantial capital appreciation.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sector allocation is heavily weighted towards technology and financial services, which may increase exposure to sector-specific risks but also offers potential for high returns. Diversifying across more sectors or rebalancing towards sectors with lower correlations to technology and finance could mitigate risk while still aiming for growth.

Regions Info

  • North America
    64%
  • Europe Developed
    15%
  • Asia Emerging
    6%
  • Japan
    6%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is heavily tilted towards North America and developed European markets, with limited exposure to emerging markets. This geographic distribution supports stability and reduces exposure to the volatility of emerging markets but may limit potential high-growth opportunities in less developed regions.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

The focus on mega and big-cap stocks suggests a preference for established, less volatile companies. While this may offer stability, incorporating a broader range of market capitalizations could enhance diversification and potential for growth, particularly from mid and small-cap sectors.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among the Vanguard S&P 500 ETF, Schwab U.S. Large-Cap Growth ETF, and Vanguard Total Stock Market Index Fund ETF Shares indicates overlapping investments, which may limit diversification benefits. Considering assets with lower correlations could improve the portfolio's risk-adjusted returns.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

Optimizing the portfolio along the Efficient Frontier could enhance its risk-return profile. This involves adjusting asset allocations to achieve the highest possible returns for a given level of risk. Focusing on reducing overlap among highly correlated assets could be a starting point for optimization.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.75%

The portfolio's average dividend yield of 1.75% contributes to its total return, providing a steady income stream in addition to potential capital gains. Given the growth orientation, this yield strikes a balance between income and reinvestment opportunities for further growth.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

With an average total expense ratio (TER) of 0.04%, the portfolio is cost-efficient, enhancing net returns over time. Keeping costs low is crucial for long-term investment success, as even small differences in fees can significantly impact total returns.

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